| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $9K | $9K | 16.44% |
| ACRISURE LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 5.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $222K |
| INSURANCE DESIGN ADMINISTRATORS EIN 13-3155962 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $137K |
| ANGELO CORDISCO EIN 11-1964991 PLAN ADMINISTRATOR | Employee (plan) Service code 30 | — | $130K |
| SLEVIN & HART, P.C. EIN 52-1708613 ATTORNEYS | Legal Service code 29 | — | $97K |
| MARIANNE STAITI EIN 11-1964991 OFFICE MANAGER | Employee (plan) Service code 30 | — | $55K |
| BONELLI & ASSOCIATES EIN 27-1594842 CONSULTANTS | Consulting (general) Service code 16 | — | $48K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 INVESTMENT CUSTODIAN | Other investment fees and expenses; Investment advisory (plan); Custodial (securities) Service code 19 | — | $47K |
| WAGNER & ZWERMAN LLP EIN 11-2836481 ACCOUNTANTS | Accounting (including auditing) Service code 10 | — | $46K |
| NINA DICIOCCIO EIN 11-1964991 ADMIN ASSISTANT | Employee (plan) Service code 30 | — | $35K |
| DECUSOFT, LLC EIN 84-5099151 CONSULTANTS | Consulting (general) Service code 16 | — | $35K |
| KIM BLAIR EIN 11-1964991 ADMIN ASSISTANT | Employee (plan) Service code 30 | — | $31K |
| BUCHBINDER TUNICK & COMPANY LLP EIN 13-1578842 AUDITORS | Accounting (including auditing) Service code 10 | — | $26K |
| FIRST ACTUARIAL CONSULTING EIN 26-3842522 ACTUARY | Actuarial Service code 11 | — | $22K |
| GLASSER TECH LLC EIN 26-1650921 CONSULTANTS | Consulting (general) Service code 16 | — | $20K |
| MICHAEL J. COMERFORD, P.C. EIN 11-3297085 ATTORNEYS | Legal Service code 29 | — | $12K |
| UNION BENEFIT PLANNERS, INC. EIN 26-3554645 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $9K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 548 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 531 | $54K |
| Other | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 531 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.